KENT STATE UNIVERSITY: 80/60 PPO Plan
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at Medical Mutual
800-586-4509, Anthem at 866-811-9727 or CVS Caremark at 888-202-1654.
Important Questions
Answers
Why this Matters:
What is the overall deductible?
$350/single, $700/family Network
$350/single, $700/family Non-Network
Doesn’t apply to co-insurance, copays
You must pay all the costs up to the deductible amount before this plan begins to pay for
covered services you use. Check your policy or plan document to see when the
deductible starts over (usually, but not always, January 1st). See the chart starting on
page 2 for how much you pay for covered services after you meet the deductible.
Are there other
No
deductibles for specific services?
You don’t have to meet deductibles for specific services, but see the chart starting on
page 2 for other costs for services this plan covers.
Is there an out–of–pocket limit on
my expenses?
Yes, $900/single, $1,800/family Network
$2,000/single, $4,000/family NonNetwork
The out-of-pocket limit is the most you could pay during a coverage period (usually one
year) for your share of the cost of covered services. This limit helps you plan for the
health care expenses.
What is not included in
the out–of–pocket limit?
Copays, deductibles, premiums,
balanced-billed charges and health care
this plan doesn’t cover.
Even though you pay these expenses, they don’t count toward the out-of-pocket limit.
Is there an overall annual limit on
what the plan pays?
Yes, $2,500,000
This plan will pay for covered services only up to this limit during each coverage period,
even if your own need is greater. You’re responsible for all expenses above this limit.
The chart starting on page 2 describes specific coverage limits, such as limits on the
number of office visits.
Does this plan use a network of
providers?
Yes. For Medical Mutual provider
network call 800-586-4509 or visit
www.medmutual.com. For Anthem
provider network call 866-811-9727 or
visit www.anthem.com
If you use an in-network doctor or other health care provider, this plan will pay some or
all of the costs of covered services. Be aware, your in-network doctor or hospital may use
an out-of-network provider for some services. Plans use the term in-network, preferred,
or participating for providers in their network. See the chart starting on page 2 for how
this plan pays different kinds of providers.
Do I need a referral to see a
specialist?
No
You can see the specialist you choose without permission from this plan.
Are there services this plan
doesn’t cover?
Yes
Some of the services this plan doesn’t cover are listed later in the document. See your
policy or plan document for additional information about excluded services.
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 1 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO

Co-payments are fixed dollar amounts (for example $15) you pay for covered health care, usually when you receive the services.

Co-insurance is your share of the costs of a covered service, calculated as a percent of the allowed amount for the service. For example, if the plan’s allowed
amount for an overnight stay is $1,000, your co-insurance payment of 20% would be $200. This may change if you haven’t met your deductible.

The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have
to pay the difference. For example, if an out-of-network hospital charges $1,500 for an overnight stay and the allowed amount is $1,000, you may have to pay the $500
difference. (This is called balance billing.)

This plan may encourage you to use Network providers by charging you lower deductibles, co-payments and co-insurance amounts.
Common Medical Event
If you visit a health care
provider’s office or clinic
Services You May
Your Cost If You Use a
Network Provider
Your Cost If You Use a
Non-Network Provider
Limitations & Exceptions
Primary care visit to treat an injury or
illness
Specialist visit
Other practitioner office visit
(Chiropractic)
Other practitioner office visit
(Acupuncture)
Preventive care/screening/immunization
$15 copy/visit
40% co-insurance
-------none-------
$30 copay/visit
$30 copay/visit
40% co-insurance
40% co-insurance
-------none-------
$15 copay/visit
40% co-insurance
Diagnostic test (x-ray)
No charge at Physician; 20%
co-insurance for all other
places
No charge at Physician; 20%
co-insurance for all other
places
40% co-insurance
(certain preventive services are not
covered for non-network)
-------none-------
40% co-insurance
-------none-------
No charge at Physician; 20%
co-insurance for all other
places
40% co-insurance
-------none-------
Diagnostic test (blood work)
If you have a test
Imaging (CT/PET scans, MRIs)
Not Covered
Excluded Services
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 2 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical Event
Services You May Need
Your Cost If You Use a
Network Provider
Generic Medications
10% ($60 max) per 30-day or
90-day prescription
Brand Name Medications
20% ($60 max) per 30-day or
90-day prescription
If you need drugs to treat your
illness or condition
Not all prescription drugs are
covered under the plan. To
determine if a specific drug is
covered under your plan, you
may log into your account at
Caremark.com and use the
Check Drug Coverage and
Cost tool.
Brand Name Medications When a Generic 40% ($60 max) per 30-day or
Equivalent is available
90-day prescription
Facility fee (e.g., ambulatory surgery
center)
If you have outpatient surgery
Physician/surgeon fees (Outpatient)
No charge at Physician;
20% co-insurance for all other
places
No charge at Physician;
20% co-insurance for all other
places
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Your Cost If You Use a
Non-Network Provider
For the non-network
pharmacy, you must pay in
advance for the total cost of
the medication. You can file a
paper claim form and be
reimbursed for the total cost
minus the 10% co-insurance
For the non-network
pharmacy, you must pay in
advance for the total cost of
the medication. You can file a
paper claim form and be
reimbursed for the total cost
minus the 20% co-insurance
For the non-network
pharmacy, you must pay in
advance for the total cost of
the medication. You can file a
paper claim form and be
reimbursed for the total cost
minus the 40% co-insurance
40% co-insurance
40% co-insurance
Limitations & Exceptions
When a brand name drug is
prescribed and there is a generic
equivalent drug available, the
maximum coinsurance will be $100
per prescription, unless the physician
has indicated “dispense as written”.
------none------------none-------
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 3 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical Event
If you need immediate medical
attention
If you have a hospital stay
If you have mental health,
behavioral health, or
substance abuse needs
Services You May Need
Your Cost If You Use a
Network Provider
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Your Cost If You Use a
Non-Network Provider
Limitations & Exceptions
Emergency room services
20% co-insurance
Emergency medical transportation
20% co-insurance
Urgent care
$15 copay/visit
40% co-insurance
Facility fee (e.g., hospital room)
20% co-insurance
Physician/surgeon fees (in patient)
20% co-insurance
$100 copay/admission,
deductible, 40% co-insurance
40% co-insurance
Mental/Behavioral health outpatient
services
Mental/Behavioral health inpatient
services
Substance abuse disorder outpatient
services (alcoholism)
Substance abuse disorder outpatient
services (drug use)
Substance abuse disorder inpatient
services (alcoholism)
Substance abuse disorder inpatient
services (drug abuse)
Benefits paid based on corresponding medical benefits
------none-------
Benefits paid based on corresponding medical benefits
------none-------
Benefits paid based on corresponding medical benefits
------none-------
Benefits paid based on corresponding medical benefits
------none-------
Benefits paid based on corresponding medical benefits
------none-------
Benefits paid based on corresponding medical benefits
------none-------
Prenatal and postnatal care
No charge at Physician; 20%
co-insurance for all other places
40% co-insurance
Delivery and all inpatient services
20% co-insurance
$100 copay/admission,
deductible, 40% co-insurance
If you become pregnant
------none------------none-------
------none-------
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 4 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Common Medical Event
If you need help recovering or
have other special health
needs
Services You May Need
Your Cost If You Use a
Network Provider
Limitations & Exceptions
Home health care
Rehabilitation services
20% co-insurance
20% co-insurance
40% co-insurance
(120 visits per benefit period)
------none-------
Habilitation services (Occupational
Therapy)
Habilitation services (Speech Therapy)
20% co-insurance
40% co-insurance
------none-------
20% co-insurance
40% co-insurance
------none-------
Skilled nursing care
20% co-insurance
No charge at Physician; 20%
co-insurance for all other
places
20% co-insurance
$15 copay/visit
Not Covered
Not Covered
Durable medical equipment
If your child needs dental or
eye care
Your Cost If You Use a
Non-Network Provider
Hospice service
Eye exam
Glasses
Dental check-up (Child)
(120 days per benefit period)
20% co-insurance
40% co-insurance
-------none-------------none-------------none------Excluded Service
Excluded Service
Excluded Services & Other Covered Services:
Services Your Plan Does NOT Cover (This isn’t a complete list. Check your policy or plan document for other excluded services.)

Acupuncture

Cosmetic Surgery

Dental check-up (Child)

Dental Care (Adult)

Glasses

Hearing Aids

Infertility Treatment

Long-Term Care

Non-emergency care when traveling outside the U.S.

Routine Eye Care (Adult)

Routine Foot Care
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 5 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Other Covered Services (This isn’t a complete list. Check your policy or plan document for other covered services and your costs for these services.)

Bariatric Surgery

Weight Loss Programs

Chiropractic Care

Private-Duty Nursing
Your Rights to Continue Coverage:
If you lose coverage under the plan, then, depending upon the circumstances, Federal and State laws may provide protections that allow you to keep health coverage. Any such
rights may be limited in duration and will require you to pay a premium, which may be significantly higher than the premium you pay while covered under the plan. Other limitations
on your rights to continue coverage may also apply.
For more information on your rights to continue coverage, contact Medical Mutual at 800.586.4509 or Anthem at 866.811.9727. You may also contact your state insurance
department, the U.S. Department of Labor, Employee Benefits Security Administration at 866.444.3272 or www.dol.gov/ebsa, or the U.S. Department of Health and Human
Services at 877.267.1212 x61565 or www.cciio.cms.gov.
Your Grievance and Appeals Rights:
If you have a complaint or are dissatisfied with a denial of coverage for claims under your plan, you may be able to appeal or file a grievance. For questions about your rights, this
notice, or assistance, you can contact Medical Mutual at 800.586.4509 or Anthem at 866.811.9727.\
Language Access Services:
Medical Mutual: 800-586-5409; Anthem: 866-811-1927; CVS Caremark: 888-202-1654
Para obtener asistencia en Español, llame al Kung kailangan ninyo ang tulong sa Tagalog tumawag sa
如果需要中文的帮助，请拨打这个号码 Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne'
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 6 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
About these Coverage Examples:
These examples show how this plan might cover medical
care in given situations. Use these examples to see, in
general, how much financial protection a sample patient
might get if they are covered under different plans.
This is
not a cost
estimator.
Don’t use these examples to
estimate your actual costs under
this plan. The actual care you
receive will be different from
these examples, and the cost of
that care will also be different.
See the next page for important
information about these
examples.
Having a baby
Managing type 2 diabetes
(normal delivery)
(routine maintenance of
a well-controlled condition)
 Amount owed to providers: $7,540
 Plan pays $6,490
 Patient pays $1,050
 Amount owed to providers: $5,400
 Plan pays $4,570
 Patient pays $830
Sample care costs:
Hospital charges (mother)
Routine obstetric care
Hospital charges (baby)
Anesthesia
Laboratory tests
Prescriptions
Radiology
Vaccines, other preventive
Total
$2,700
$2,100
$900
$900
$500
$200
$200
$40
$7,540
Sample care costs:
Prescriptions
Medical Equipment and Supplies
Office Visits and Procedures
Education
Laboratory tests
Vaccines, other preventive
Total
Patient pays:
Deductibles
Co-pays
Co-insurance
Limits or exclusions
Total
$350
$0
$550
$150
$1,050
Patient pays:
Deductibles
Co-pays
Co-insurance
Limits or exclusions
Total
$2,900
$1,300
$700
$300
$100
$100
$5,400
$350
$150
$250
$80
$830
These numbers assume that the patient does not use an
HRA or FSA. If you participate in an HRA or FSA and use
it to pay out-of-pocket expenses, then your costs may be
lower. For more information about your HRA or FSA,
please contact your employer group.
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 7 of 8
KENT STATE UNIVERSITY: 80/60 PPO Plan
Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Coverage Period: January 1st – December 31st
Coverage for: Single or Family | Plan Type: PPO
Questions and answers about the Coverage Examples:
What are some of the assumptions
behind the Coverage Examples?







Costs don’t include premiums.
Sample care costs are based on national
averages supplied by the U.S. Department of
Health and Human Services, and aren’t
specific to a particular geographic area or
health plan.
The patient’s condition was not an excluded or
preexisting condition.
All services and treatments started and ended
in the same coverage period.
There are no other medical expenses for any
member covered under this plan.
Out-of-pocket expenses are based only on
treating the condition in the example.
The patient received all care from in-network
providers. If the patient had received care
from out-of-network providers, costs would
have been higher.
What does a Coverage Example show?
For each treatment situation, the Coverage
Example helps you see how deductibles, copayments, and co-insurance can add up. It also
helps you see what expenses might be left up to
you to pay because the service or treatment isn’t
covered or payment is limited.
Does the Coverage Example predict my
own care needs?
 No. Treatments shown are just examples. The
care you would receive for this condition could
be different based on your doctor’s advice, your
age, how serious your condition is, and many
other factors.
Does the Coverage Example predict my
future expenses?
No. Coverage Examples are not cost estimators.
You can’t use the examples to estimate costs
for an actual condition. They are for
comparative purposes only. Your own costs will
be different depending on the care you receive,
the prices your providers charge, and the
reimbursement your health plan allows.
Can I use Coverage Examples to
compare plans?
Yes. When you look at the Summary of Benefits
and Coverage for other plans, you’ll find the
same Coverage Examples. When you compare
plans, check the “Patient Pays” box in each
example. The smaller that number, the more
coverage the plan provides.
Are there other costs I should consider
when comparing plans?
Yes. An important cost is the premium you pay.
Generally, the lower your premium, the more
you’ll pay in out-of-pocket costs, such as copayments, deductibles, and co-insurance.
You should also consider contributions to
accounts such as health savings accounts
(HSAs), flexible spending arrangements (FSAs)
or health reimbursement accounts (HRAs) that
help you pay out-of-pocket expenses.
Questions: For the Medical Mutual 80/60 PPO Plan, call 800-586-5409 or visit Medical Mutual’s website at www.medmutual.com
For the Anthem 80/60 PPO Plan, call 866-811-1927 or visit Anthem’s website at www.anthem.com. For questions regarding
Prescription drug coverage under either the Medical Mutual or Anthem 80/60 PPO plans, call CVS Caremark at 888-202-1654
Or visit their website at www.Caremark.com. If you aren’t clear about any of the bolded terms used in this form, see the Glossary.
You can view the Glossary in the Forms Library under the Medical Section or by clicking HERE.
Page 8 of 8